Find out why It's better to spend time in the market, rather than try and time the market.
When it comes to protecting your mortgage, you have a choice. You can go the traditional route of paying your lender for insurance coverage that they own and they receive the benefits from, or you can set this coverage up on your own. The differences between these two types of coverage are drastic, and it’s important to be in the know before you decide. Here are some of the benefits of setting up private coverage on your own:
You’ve worked hard all your life, raised your children well, and helped them go to university; and at the same time, saved up enough to retire comfortably and maybe even travel a little. Congratulations, reaching all of these goals is not easy for many Canadians and you should be proud of your financial responsibility.
With mortgage debt, car loans and credit card bills to pay off, are you really in any shape to start investing for your retirement? Many young adults and professionals feel that financial planning and retirement saving strategies are beyond their reach at this stage in their lives. If they can just pay off debt for a few more years, they’ll be ready to get started on a plan of their own. The reality is that the longer you wait, the harder it becomes.
Avec la fin de l’année à nos portes, les contribuables canadiens souhaiteront envisager toutes les occasions de planification fiscale qui leur sont offertes. Votre situation et vos objectifs particuliers dicteront quelles stratégies de planification de fin d’année vous conviennent. La liste de contrôle de planification fiscale de fin d’année d’IG Gestion de patrimoine peut vous aider à comprendre quelles occasions...
With the odds so overwhelmingly in favour of gains, why do so many investors fight those odds trying to time the market? Market pullbacks are frequent and avoiding just a few of them could potentially add significantly to investment results. This white paper discusses 6 key considerations for long-term investing. Read More
For several years now, I have struggled with the idea of critical illness (CI) insurance for our clients as it always seemed too expensive for me to recommend it even though I knew how important this type of protection can be. Recently, and after receiving some additional training and info on the subject, my views have entirely changed.
In regards to retirement planning, arguably the most important window is the 10 year mark from your retirement date. While many of us don’t know for sure exactly when we will retire, most have a good idea of when that date is “about” 10 years away. This article is focused specifically on the group that has 5-10 years left until they retire and what they should be doing now to prepare for this event.
Are you fearful of what your retirement will look like? If so, you’re not alone. While retirement should be a relaxing time where you can take advantage of all the hard work you put in over the years and where you can take part in the activities you enjoy most, for many it is not.
When we are young, life insurance is used to protect our family by providing money to replace our income. However, as we approach retirement our need for income replacement lessens and the focus switches to wealth protection. Wealth protection is a permanent concern, so it requires permanent solutions.
Are you, like many Canadians, planning to renovate your home or cottage? If so, you should keep your receipts in case you ever need to support the cost base of your property. Generally, Canadians have not been required to report the cost base of a principal residence that is sold on their tax return. But that changed a few years ago.
As students begin to pay their tuition for the upcoming fall semester, it is important to know what fees and expenses can be deducted on this year’s tax return. This article will highlight some of the key deductions and credits that can help reduce your family tax bill for the 2020 filing year.